Help Support Our Seniors

We gladly accept donations to help fund programs that enrich the lives of our seniors:

  • Make a cash donation by mailing a check or money order to the center
  • Purchase a leaf for our Memory/Honor Tree for $100 in memory or honor of a loved one.
  • Designate Raleigh County Commission on Aging as your Kroger Community Rewards organization.  Just go to www.kroger.com/account/enrollCommunityRewardsNow/ to register your Kroger Rewards Card.  Every time you  make a purchase at Kroger, Raleigh County Commission receives a donation.  It’s an easy way to help your local seniors and does not affect your Kroger fuel points in any way.
  • Make a donation through Beckley Area Foundation to the Raleigh County Commission on Aging, Inc. fund
  • Legacy Charitable Gift and estate planning

The Legacy Charitable Gifting programs of the Raleigh County Commission on Aging, Inc. allow seniors, their families, and community members the opportunity to support the programs, services, and mission of the agency. Donors who pledge their support have the opportunity to provide a gift to the agency during their lifetime, known as a Charitable Gift; or after their life time, known as a legacy gift such as a bequest (remembering the RCCOA in your will). Through this program, donors will have the satisfaction of knowing that their gifts will help make a positive difference in the lives of seniors for generations to come. When they are ready to participate, we want to be able to offer your children, and even your grandchildren, the same services and programs that you have enjoyed.

One common myth is that the only way to support the Raleigh County Commission on Aging is by writing a check or providing a cash donation. While we do accept these types of gifts, there are many other types of asset gifts donors can contribute. Gifts commonly include real estate, homes, life insurance policies, and even cars. Your individual financial goals and personal values will help determine the most appropriate asset to contribute.

A primary question to consider first is, have you made out a will?
If you have not, or it is time to update your will, regardless of your charitable intent, please consider this:

If your goal is to: Then you can: Your benefits may include:
Make a quick easy gift Simply write a check now, or make a planned gift of money throughout a specified time period An income tax deduction and immediate positive impact to the RCCOA
Avoid capital gains tax Contribute long term appreciated stock or other securities A charitable deduction plus no capital gains tax
Defer a gift until after your lifetime Put a bequest in your will (donating cash, property, or a share of the residue of your estate to the RCCOA) Your donations are fully exempt from federal estate tax
Receive guaranteed fixed income that is partially tax free Create a charitable gift annuity Current and future savings on income taxes, plus fixed, stable payments
Avoid capital gains tax on the sale of a home or other real estate Donate the real estate to us, or sell it to us at a bargain price An income tax reduction, plus reduction or elimination of capital gains tax
Give your personal residence or farm, but retain lifetime use Create a charitable gift of future interest, called a retained life estate It gives you tax advantages plus use of the property
Make a large gift with little cost to you Contribute a life insurance policy that you no longer need Current and possible future income tax deductions
Secure, fixed payments for life while avoiding market risks Create a charitable remainder annuity trust It gives you tax benefits and often boosts your rate of return
Give income from an asset for a period of years but retain the asset for yourself or your heirs Create a charitable lead trust Assets is returned to the donor or heirs with federal estate tax savings and income tax deductions for income donated
Create a hedge against inflation over the long term Create a charitable remainder unitrust Variable payments for life plus tax benefits
Make a revocable gift during your lifetime Name us as the beneficiary of assets in a living trust Full control of the trust terms for your lifetime
Avoid the twofold taxation on IRA or other employee benefit plans Name us as the beneficiary of the remainder of the retirement assets after your lifetime Lets you leave your family other assets that carry less tax liability

Support through these programs also offers you and your family tax relief. By providing a Charitable Gift during your lifetime, you can receive immediate tax relief. If you chose to contribute a Legacy, then your heirs will be better able to utilize their inheritance with fewer concerns for estate tax and time spent in probate court. Your personal and family financial and gifting goals will help determine a gifting option that is right for you.

If you have any questions please call Ellen Crosier at (304) 255-1397 ext. 102

Ellen Crosier
Financial Officer

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